Position of Kisan Credit Cards for the period ended

BANKING AT A GLANCE IN GUJARAT STATE SEPTEMBER, PARAMETERS TOTAL No. OF BRANCHES September, 2017 March, September, Growth Y-O-Y (Sept., 17 to Sept, 18) Growth Over March, 9250 9353 9566 316 213 CATEGORY OF BRANCHES RURAL 3564 3596 3601 37 5 SEMI - URBAN 2246 2249 2264 18 15 URBAN 1311 1330 1456 145 126 METRO 2129 2178 2245 116 67 TOTAL 9250 9353 9566 316 213 KEY INDICATORS (Amt. Rs. in Crores) DEPOSITS 6,31,738 (1.27%) 6,62,394 (6.19%) 6,74,295 1.80% 42,557 (6.74%) 11,901 1.80% ADVANCES 4,89,833 (6.48%) 5,39,392 (17.25%) 5,70,870 (5.84%) 81,037 (16.54%) 31,478 (5.84%) CREDIT DEPOSIT 77.54 81.43 84.66 7.12 3.23 RATIO PS ADVANCES 2,17,417 2,27,008 2,55,826 38,409 28,818 (% Growth ) (% to advances) AGRI ADVANCES (-) 1.27% (47.26%) 78,276 (3.08%) (49.35%) 79,488 (12.69%) (47.43%) 82,608 (17.67%) (0.17%) 4,332 (12.69%) (-) 1.92% 3,120 (% Growth) (% to advances) MSME ADVANCES (8.40%) (17.02%) 90,046 (10.08%) (17.28%) 94,871 (3.93%) (15.32%) 1,15,140 (5.53%) (-) 1.70% 25,094 (3.93%) (-) 1.96% 20,269 (% Growth) (% to advances) WEAKER SEC. ADV (3.18%) (19.57%) 39,730 (8.71%) (20.62%) 41,299 (21.36%) (21.35%) 45,564 (27.87%) (1.78%) 5,834 (21.36%) (0.73%) 4,265 (% Growth) (% to advances) (10.67%) (8.64%) (15.04%) (8.98%) (10.33%) (8.45%) (14.68%) (0.19%) (10.33%) (-) 0.53% Position of Kisan Credit Cards for the period ended September, 2017 March, September, GROWTH Y-O-Y (Sept., 17 to Sept, 18) Growth over March, Accounts 29,45,376 27,30,010 28,05,375 (-) 1,40,001 75,365 Amount 45,321 43,941 47,669 2,348 3,728 1

AGENDA No.1 Confirmation of the proceedings of last meeting The proceedings of the 158 th meeting of State Level Bankers Committee for the quarter ended June, held on 4 th September, were circulated to all the members on 4 th October,. Since no comments / amendments have been received from any of the members, the House is requested to confirm the same. AGENDA No.2 FOLLOW-UP ACTION ON PENDING ISSUES: Sr. Issues 1 Pending approval of layout plan of RSETI, Ahmedabad. 2 Development of online portal for sponsoring and tracking of loan application of State Govt. Spon. Schemes 3 Updation of District Codes in CBS system of Banks in case of branches in newly formed district. 4 Issuance of order for physical possession by District Magistrate under SARFAESI Act 2002. 5 Waiver of Stamp duty on agreement for onboarding digital payment instrument by merchants Action taken Bank is in the process to submit the revised plan for approval as per new procedure. Since, the matter persists since long, RDD, Govt. of Gujarat is requested to take up the matter with concerned district authority to expedite the approval of layout plan of RSETI, Ahmedabad. During the 157 th meeting of SLBC on 14.06., the Finance Department, Govt. of Gujarat has assured to roll out the portal by 15.07.. The rollout of the portal is still awaited. SLBC vide letter dated 2 nd April, requested Banks for updation of District Codes in CBS system in case of branches in newly formed districts. Except SBI, SLBC is yet to receive confirmation from other concerned Banks. As discussed during 158 th meeting of SLBC, Govt. of Gujarat vide latter dated 17.09. was requested to pass on necessary instructions to district authority for disposal of SARFAESI cases in a time bound manner. State govt. is requested to take up the matter once again with concerned DMs in the matter so that large pendancy of such cases is cleared. LDMs are advised to take up the same as regular agenda item and discuss in every DLCC / DLRC meeting. SLBC vide letter dated 17.09. requested Finance Dept., GoG to take up the matter for waiver of stamp duty on such agreement. State Government is once again requested to consider waiver of stamp duty on an agreement for onboarding digital payment instrument by merchants. 2

AGENDA No.3 IMPLEMENTATION OF FINANCIAL INCLUSION : 3.1 Pradhan Mantri Jan Dhan Yojana (PMJDY) Progress under Opening of Accounts, issuance of RuPay Cards and Aadhaar Seeding as of 31.10.: State No. of Accounts opened Rural Urban Total Aadhaar Seeded Accounts % of Aadhaar Seeding Total RuPay Cards issued % of RuPay Card issued Gujarat 67,10,393 60,13,692 1,27,24,085 1,01,74,868 79.97% 1,04,45,312 82.09% Bank-wise position in terms of Aadhaar Seeding & Authentication, Zero Balance Accounts and RuPay card issued in PMJDY Accounts is @ Annexure-A. Position with respect to operative CASA accounts: State vs. National Avg. Total Operative CASA A/cs (in lakhs) % Aadhaar Seeded A/cs % Aadhaar Authenticated A/cs % Mobile Seeded A/cs Gujarat State 577.72 80.49% 46.42% 86.27% National Average 11648.98 84.60% 56.50% 82.90% As per the progress report dated 9 th November received from DFS, MoF, GoI, Aadhaar Seeding in operative CASA accounts in the State stood at 80.49% and average Aadhaar authentication stood at 46.42%, which is considerably below National average of 84.60% and 56.50% respectively. Under Mobile Number Seeding, the performance of the State stood at 86.27% against the National Average of 82.90%. The Bank-wise position in terms of operative CASA accounts is @ Annexure-B. Apex Court in its judgement dated 26 th September has tweaked enforceability of Aadhaar for opening of Bank Accounts. However, Reserve Bank of India (RBI) is yet to issue any concurrent directions incorporating judgement of apex court pertaining to requirement of Aadhaar for opening of Bank accounts. However, RBI vide its official press release dated 21 st October 2017 has clarified linking of Aadhaar to Bank accounts as mandatory. Continuation of Comprehensive Financial Inclusion Mission PMJDY The Dept. of Financial Services, MoF, GoI vide its letter dated 7 th September has informed about continuation of PMJDY scheme beyond 28.08. with the change in focus of opening of accounts from every household to every adult with following modifications: (i) Existing overdraft limit to PMJDY account holders of Rs 5,000 has been raised to Rs 10,000 (ii) Age limit of account holders 18-60 years has been revised to 18-65 years (iii) There will not be any conditions attached for Over draft up to Rs 2,000 (iv) Accidental insurance cover for new RuPay card holders has been raised from Rs 1 lakh to Rs 2 lakhs to new PMJDY accounts opened after 28.08. 3

The letter of DFS, MoF, GoI dated 7 th September with regard to continuation of PMJDY beyond 28.08. is provided @ Annexure-C. In the minutes of the Video Conference (VC) held by the DFS, MoF, GoI on 12 th September, it was advised each Rural & Semi urban branches to open at least 3 PMJDY account per day and each Urban & Metro branch to open at least 1 PMJDY account per day during the campaign period from 17.09. to 30.11.. Accordingly SLBC vide its letter dated 19 th September circulated Bank-wise (Based on number of Branches) targets for opening of PMJDY accounts. 3.2 Social Security Schemes A. PMSBY and PMJJBY Progress in enrollments and claim settlement percentage (%) under Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) & Pradhan Mantri Suraksha Bima Yojana (PMSBY) as of 30.09. is as below: Particulars PMJJBY PMSBY Total enrollment 24,08,114 55,72,505 Claim settlement status as on 14.11. Claims lodged 10208 1898 Claims Paid 9423 1520 Claims Rejected 458 261 Claims under process 34 10 Claims pending with issuer 293 107 Settlement %age 95.36% 85.35% The Bank wise enrolment under Social Security Schemes is attached @ Annexure-D. Payment of Pro-rata premium for enrolment under PMJJBY In order to encourage eligible and potential account holders to join PMJJBY at a later stage (those who are enrolling in between policy period of 1 st June to 31 st May), the payment of pro-rata premium for enrolment under PMJJBY would be allowed, with the minimum premium of Rs 86/- for one quarter. Thus, if the PMJJBY enrolment takes place during the month of a. June, July, August- Annual premium of Rs 330/- is payable. b. September, October, & November 3 quarters of premium @ Rs 86 i.e. Rs 258/- is payable. c. December, January & February- 2 quarters of premium @ Rs 86 i.e. Rs 172/- is payable d. March, April & May 1 Quarter premium @ 86 is payable. The letter from the DFS, MoF, GoI regarding pro- rata premium is @ Annexure E. B. Atal Pension Yojana (APY) The total enrolments under APY for last four years is as below: Particular FY 15-16 FY 16-17 FY 17-18 FY 18-19 (up to 30.09.) Total no. of enrolments 1,34,563 1,08,460 2,08,487 1,05,155 Average Enrolment per branch* *Total no. of authorized branches for APY in the State is 9176 14 11 23 11 4

The Dept. of Financial Services (DFS), MoF, GoI has set Bank-wise targets for the FY -19 as following: Sr. Category of Bank Target allotted 1 Major Bank (Includes PSBs, HDFC Bank, Axis Bank, ICICI Bank and J&K Bank) 2 Regional Rural Bank 3 Private Bank 4 Co-operative Bank Target of 60 APY accounts per branch for FY -19. Target of 50 APY accounts per branch for FY -19. Target of 25 APY accounts per branch for FY -19. Target of 15 APY accounts per branch for FY -19. Bank-wise achievement against the targets for F.Y. -19 (upto 30.09.), as provided by the PFRDA is @ Annexure-F. Banks are requested to sensitize their Branches and gear up their efforts for achieveing APY targets as set by the PFRDA. Perform for Pride (PFP) Campaign - 12 th to 19 th December, The DFS/PFRDA has informed about launch of Perform for Pride campaign from 12 th to 19 th December, under which best performing 15 branches from Major Banks, 5 branches from RRBs, 3 branches from Private Banks, 2 from Co-op. Banks and 10 post offices will be recognised and felicitated in the SLBC meeting. The minimum qualifying criteria for the campaign are as under: Major Bank 40 APY funded account / Branch RRB- 25 APY funded account / Branch Private Bank, Small Finance Bank & Payment Bank - 10 APY funded account / Branch Co-operative Bank 5 APY funded account / Branch. PFRDA will be circulating periodical MIS about progress of the campaign. APY Citizen s Choice Campaign in Gujarat - 24 th to 31 st December, Under the campaign, SLBC is requested to identify 10 Districts in Gujarat where the APY Citizen Choice Campaign will be held from 24 th to 31 st December,. Accordingly, SLBC has identified following 10 districts for the campaign: Jamnagar, Junagarh, Amreli, Bhavnagar, Mehsana, Gandhinagar, Anand, Navsari, Dahod & Narmada. In these 10 districts, LDMs shall be organising Town Hall Meetings inviting customers and local people in which awareness on Atal Pension Yojana will be created. An expenditure of upto Rs. 15,000 per meeting for the logistics in each District will be reimbursed by PFRDA. The amount has to be spent by LDMs but the bills / supporting documents / photos need to be routed through SLBC for approval at PFRDA. The amount shall be spent by the respective Lead Bank and the reimbursement shall be effected to the respective Bank s account by PFRDA. PFRDA will be announcing felicitation programme in case total APY account sourced in entire State during the campaign cross 1,00,000 subscriptions. 5

3.3 Financial Inclusion Plan : A. Opening of Banking Outlets in Unbanked Rural Centres RBI vide letter No. FIDD.CO.LBS.BC.No3712/02.01.001/2017-18 dated 05 th June,, advised SLBC Convenor Banks to table the updated list of Unbanked Rural Centers in all SLBC meetings while reviewing the progress of providing Banking services in Unbanked Rural Centers. Moreover, as per directives of RBI, villages without Banking Outlet having population 5000-9999 (i.e. Tier 5 centers) have been given separately on the SLBC website and the district-wise gap in opening of Banking-outlet in identified villages having population 5000-9999 is given @ Annexure-G. By the quarter ended September, in total identified 360 Tier 5 centers, Banking Outlets have been found present in 60 centers and in 300 centers Banking Outlets are yet to be opened. Therefore, Banks are requested to expedite opening of Banking Outlets in URCs which would also help them to comply with RBI s criteria of opening of atleast 25% of total Banking Outlets in URCs, as per the circular of Dept. of Banking Regulation, RBI dated 18 th May 2017. B. Deployment of additional BCs in locations not having Banking facility within 5 Kms: DFS, MoF, GoI vide it s letter dated 17 th May, circulated the nation wide list of 8,536 uncovered villages where Banking services is not available within vicinity of 5 km. Out of these 8,536 villages, 755 of such villages are in Gujarat State. Bank / District wise progress made in opening of Banking Outlet in the identified 755 locations of Gujarat is @ Annexure-H and Annexure-I. As per latest progress report received from various Banks, out 755 identified villages 661 villages are covered with Banking Correspondents, 93 villages are under process to be covered by Banking Correspondents and 1 village alloted to DCB Bank in Bharuch District remains nonreported. It was further advised by the DFS that while appointing a BC, preference is to be given to members of Self Help Group (SHG), as Ministry of Rural Development (MoRD) will be providing grant assistance for Tablet / Micro ATM in case an SHG member is appointed as BC. The list of SHG Members potential to be engaged as BC is made available vide web link https://aajeevika.gov.in/content/list-uncovered-location-bc-sakhiengagement on the website of Ministry of Rural Development (MoRD) and the same was shared with concerned member banks vide our letter dated 14 th August. Besides engagement of BCs in 755 identified locations, it has also been advised by the DFS to complete activation / replacement of existing inactive BCs. C. Performance of Aspirational Districts under Key Financial Inclusion parameters After successfully completion of saturating 758 villages of two aspirational districts i.e. Dahod and Narmada under Extended Gram Swaraj Abhiyan (EGSA), focus has now been shifted to improve the other financial inclusion parameters in these districts to bring them at par with other districts. The Govt. of Gujarat is reviewing the following parameters of all 33 districts on monthly basis. 6

The performance of two aspirational districts i.e. Dahos and Narmada with respect of eight measurable parameters is as under. Dahod Narmada Sr. Parameter June Sept., June Sept., 1 Disbt. under PMMY (Rs. Cr per 1 lakh pop.) 1.14 2.72 1.75 4.71 2 PMJJBY (Enrolments per 1 lakh population) 994 1490 2413 2839 3 PMSBY (Enrolments per 1 lakh population) 4500 5592 6311 7789 4 APY (Enrolments per 1 lakh population) 380 681 447 658 5 No. of A/cs under PMJDY opened 696176 739459 207491 215099 6 % Aadhaar seeded A/cs 75.50% 78.90% 75.20% 77.90% 7 % increase in Agri. Finance over previous qtr. (-) 0.98% 5.50% 0.02% (-) 0.07% 8 CD Ratio 40.68 40.59 61.62 58.10 Though there is an improvement in almost all parameters during the quarter under review, Banks in these districts require much more efforts to bring the perfoamnce at par with other districts. 3.4. Financial Literacy Camps The State has 49 Financial Literacy Centres (FLCs) set up in all districts by respective Lead Banks and RRBs sponsored by them. Out of the above 49 FLCs, 1 FLC is in Metro, 33 are in Semi-urban and 15 FLCs are in Urban areas, whereas no FLC is opened in Rural Areas. Banks and FLCs were advised to organise the Financial Literacy Camps as per RBI letter dated. 2 nd March, 2017. Moreover, as per the above mentioned RBI letter, FLCs were advised to conduct special camps for a period of one year beginning April 1, 2017. Conduct of Financial Literacy camps by FLCs for the quarter ended Sept., Sr. No. Bank No. of FLC opened by the Bank 7 No. of Special Camps conducted No. of Target Specific camps conducted 1 Dena Bank 10 175 348 2 State Bank of India 9 67 233 3 Bank of Baroda 14 94 248 4 Baroda Gujarat Gramin Bank 06 178 166 5 Dena Gujarat Gramin Bank 05 32 81 6 Saurashtra Gramin Bank 05 98 166 Total 49 644 1242 Conduct of FL camps by Rural branches for the quarter ended Sept., : Total 7,694 camps have been conducted by 2,536 Rural branches of Scheduled Commercial (Including RRBs) during the quarter ended September. The category wise %age target achievement by Banks is as below : Sr. Category of Bank Rural full fledged branch Target of Financial Literacy Camps Total no. of Camps conducted % age Target Achiv. 1 Public Sector Banks 1,714 5,142 5,107 99.32% 2 RRBs 496 1,488 1,346 90.46% 3 Pvt. Sector Banks 326 978 1241 126.89% Total 2,536 7,608 7,694 101.13%

The Bank wise percentage(%) of Target achievement is given @ Annexure-J. Futher, NABARD vide its circular no. 162/DFIBT-26/ dated 2 nd July has informed about need based support to Banks for conducting Financial Literacy Programmes targetting different segments of population. Banks are requested to go through the said circular and apply for prior sanction to NABARD to avail the financial assistance. 3.5 Rural Self Employment Training Institutes (RSETI): A. Progress in construction of RSETI premises No. 1 2 Particulars RSETIs functioning in own building RSETIs functioining in Building allotted by the Govt. 3 Land yet to be allotted 1 Mahisagar Pending for approval of 1 Ahmedabad 4 layout plan at District Authority 5 Tendering under process and approval lying at Bank Level 6 Construction work under progress Total 28 No. of Name of Districts District Amreli, Banaskantha, Bharuch, Kheda, Kutch, Jamnagar, Junagadh, Mehsana, 15 Patan, Porbandar, Rajkot Sabarkantha, Gandhinagar, Valsad and Surendranagar 1 Bhavnagar 5 Chhotaudepur, Narmada, Surat, Panchmahal and Tapi 5 Anand, Dangs, Dahod, Navsari and Vadodara As MoRD, GoI has brought a closure clause for the infrastructure development aspect of the RSETIs w.e.f. 01.04.2015, Lead Banks in remaining 5 newly carved districts (Aravalli, Botad, Devbhoomi Dwarka, Gir Somnath and Morbi) have decided to impart necessary trainings as per existing set up. B. Issues related to Allotment of land for construction of RSETI premises Approval of lay out plan of RSETI, Ahmedabad building is still pending despite the matter being persued since last two years. Moreover, the matter was also taken up by RBI vide its letter dated 4 th December, 2017 to the Chief Secretary, Govt. of Gujarat. As informed by Bank of Baroda, allotment / re-allotment of land for Mahisagar is still pending. Moreover, State Bank of India has requested District Authority for allotment of suitable land for RSETI, Bhavanagar. Govt. of Gujarat is requested to resolve this issue to enable the bank to start construction work of RSETI Ahmedabad. 8

C. No. of training programmes conducted by RSETIs and Settlement Ratio Quarter ended Sept., Quarter ended Sept., No. of training programmes conducted during the year - 19 Cumulative No. of no. of training beneficiaries programmes trained during since the year inception -19 9 Cumulative no. of beneficiaries trained Cumulative no. of trained beneficiaries settled Through Bank finance 60,724 365 6,800 10,245 2,04,435 (29.70%) Categorywise Cumulative no. of trainees Through own sources 81,038 (39.64%) Total 1,41,762 (69.34%) SC ST OBC Women Minorities Others 34,053 (16.66%) 61,243 (29.96%) 71,561 (35.00%) 1,72,027 (84.15%) 11,184 (5.47%) (Figures in brackets show categorywise percentage of number of trainees) Districtwise details are given @ Annexure-K. 26,394 (12.91%) 3.6 Call Centre Services Toll Free Number - 1800-233-1000 for PMJDY and Toll Free Number - 1800-233-8944 for PMMY As per instructions of Department of Financial Services, Ministry of Finance, Govt. of India, a Call Centre is being operationalized by SLBC (Gujarat) for attending the enquiries and for grievance redressal of the general public under Pradhan Mantri Jan- Dhan Yojana (PMJDY), Social Security Schemes and Pradhan Mantri MUDRA Yojana (PMMY) in Gujarat. Total expenses incurred during the quarter ended September are as under: Sr. No. Details Expenses (Rs.) 1 Remuneration 108000.00 2 Telephone expenses 13156.00 Total 121156.00 The bank wise details of proportionate expenses for the quarter ended September, has been conveyed to Member Banks by SLBC vide letter no. SLBC-Call Centre/643/ dated 15 th October,. Pending Banks are requested to remit their contribution. Details of calls received & expenses incurred during last four quarters: Name of the Month Dec.,- March- June- Sept.,- Total 2017 Number of Calls 1,196 1,907 1,780 1,917 6,800 Total Expenses (in Rs.) 1,16,871 1,55,636 80,763 1,21,156 4,74,426 From the very beginning till the quarter ended September, total 34,629 calls are received. Out of which 33,154 calls were enquiry calls and 1,475 calls were complaint calls. 3.7 Revised Sub Service Areas (SSAs) SLBC undertook an exercise with LDMs of all the 33 districts of the State and complied updated list of Sub Service Areas. Banks were requested to go through the same and report to concerned LDM regarding requirement of modification, if any by 30 th September. Based on the feedback received from various LDMs, SLBC has finalized SSA and the same is made available on the web-site of SLBC. Copy of revised and final SSA is @ Annexure-L.

3.8 Service Area Approach pertaining to extension of credit facility Instances have been reported where Bank Branches have refused loan applications citing loan applications being out of Sub Service Area allotted to their Branch. In the view of the same and as suggested in the meeting of Steering Sub Committee of SLBC held on 05.12., the SSA guideline of RBI as issued vide its circular no. FIDD.CO.LBS.BC.No.1/02.01.001/2017-18 dated 3 rd July 2017 is reproduced hereunder: Point no. 8 (ii) of the above referred circular states that Under SAA the allocation of villages among the rural and semi-urban branches of banks was made not applicable for lending except under Government Sponsored Schemes. Thus, while the commercial banks and RRBs are free to lend in any rural and semi-urban area, the borrowers have the choice of approaching any branch for their credit requirements. Banks are requested to acquaint their Branches regarding above guideline and advise them to desist from the practice of rejecting loan application citing violation of SSA guideline. Owing to Prompt Corrective Action (PCA) and lending restrictions imposed by the RBI on some Banks, other Banks free from any such restrictions are requested not to reject loan applications originating from the SSA of Banks under PCA / lending restrictions, solely because of SSA not pertaining to them. AGENDA No.4 OTHER AGENDA 4.1 Progress under Pradhan Mantri MUDRA Yojana (PMMY) The progress under the scheme as of 16.11. is as under: Particular (Amt. in crores) Shishu Kishore Tarun Total A/c Disb. Amt. A/c Disb. Amt. A/c Disb. Amt. A/c Disb. Amt. Banks 135767 380.46 58936 1282.74 16574 1205.73 211277 2868.93 Other Agency 387525 1181.17 40301 448.74 12513 219.55 440339 1849.46 Total 523292 1561.63 99237 1731.48 29087 1425.28 651616 4718.39 Agencywise details are given @ Annexure-M. Against the disbursement target of Rs.8,083 Crore, Banks have so far achieved disbursement of Rs.2,869 Crore i.e. 35.49% for the FY -19 which needs to be improved. MUDRA being one of the flagship schemes launched by the Govt., it has been repetedly advised by the Dept. of Financial Services, MoF, GoI on various occassions to increase the visibility of the MUDRA scheme by displaying banners in Bank Branch / ATM premises, prominent locations in the districts and also at the business location of beneficiaries. 4.2 Implementation of Stand up India Cummulative progress as of 16.11. under Stand Up India in Gujarat is as under; Sanctions Disbursements Accounts Amount (Rs. in crore) Accounts Amount (Rs. in crore) 4,415 1,260 3,405 763 10

The Bankwise details are given @ Annexure-N. Since the performance under the scheme is not up to the mark, all stakesholders are requested to take note of the following action points to improve performance during the current finacial year. Branches and LDMs have to visit the Standupmitra portal on regular basis. DIC, Banks, NABARD and SIDBI have to organise the seminar / workshop / townhall meeting to impart more awareness of the scheme in the State. Display of Banner / Poster showing the salient features of the scheme at Branch / ATM premises. DIC / NABARD / SIDBI may give advertisements through newspaper or local media to make wide publicity of the scheme. SC / ST welfare and Women development department may take lead to generate good number of application under the Scheme. Review the bankwise performance thoroughly during the DLCC meeting and instruct the lagging banks to improve upon the performance. 4.3 Pradhan Mantri Awas Yojana (Urban) Credit Linked Subsidy Scheme As of 19.11., total Rs.1,955.87 Crores subsidy has been disbursed to the 86,110 beneficiaries in the State. The PLI / Bankwise details are given @ Annexure-O. Position as of 19.11. Category of PLI No. of cases disbursed Subsidy (Rs. In lakhs) Public Sector Banks (22) 6793 13858 Private Sector Banks (11) 20152 47439 Regional Rural Banks (3) 268 612 Co-operative Banks (15) 1305 2566 Small Finance Banks (2) 112 193 Housing Finance Co. (47) 57480 130919 Total 86110 195587 It has been observed, number of beneficiaries under the scheme from Housing Finance Cos. far exceeds from Public Sector Banks, Private Sector Banks, Small Finance Banks altogether. Hence, Banks need to ensure that all eligible housing loan borrowers are extended benefits of the scheme. Banks are also advised to carry out publicity of the scheme at Branch / ATM premises and organising a work shop with real estate developers to create awareness of the scheme. Ministry of Housing and Urban Affairs, Govt. of India vide notification dated 12th June, has enhanced carpet area in MIG I category from upto 120 square metre to upto 160 square metre and in MIG II category from upto 150 square metre to upto 200 square metre. The enhancement in carpet area will be effective from the date the CLSS for MIG had become effective i.e. 01.01.2017 and hence this enhancement in carpet area will enable more number of borrowers to take benefit of the scheme. 4.4 Pradhan Mantri Awas Yojana Gramin SLBC in its 156 th meeting had approved simplified application form for loan under PMAY-Gramin. Banks are requested to circulate the same among the branches and advise them to consider loan applications under the scheme on merits. 11

Additional Commissioner, Rural Development Department, Govt. of Gujarat vide his letter dated 20 th August, expressed serious concern about non-sanctioning of housing loans by Banks to beneficiaries of PMAY (G). 4.5 Implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY). Agriculture & Co-operation Department, Government of Gujarat vide their GR No. PFB- 10-1141-K.7 dated 5 th April, has issued guidelines for implementation of Pradhan Mantri Fasal Bima Yojana (PMFBY) for Kharif- and Rabi-Summer - 19 seasons. A copy of the GR issued by Government of Gujarat has been circulated by SLBC vide letter dated 13.04.. The comparative performance of the scheme during last three Kharif seasons is as under. Particulars Kharif 2016 Kharif 2017 Kharif No. of applications 12,98,161 11,82,477 12,02,097 Area covered 25.67 Lakh Ha. 23.39 Lakh Ha. 22.42 Lakh Ha. Sum insured Rs.11,249 Crores Rs.11,142 Crores Rs.11,912 Crores Premium (farmers share) Rs.224.30 Crores Rs.371.06 Crores Rs.374.91 Crores Moreover, the department vide their GR No. PFB-10-2658-K-7 dated 26.11. has informed the allotment of implementing agencies in all the clusters (except cluster-3) for implementation of PMFBY for Rabi-Summer -19 season. SLBC has already circulate the said GR among the Banks vide e-mail dated 30.11.. Banks are requested to pass on necessary instructions to their branches for coverage of all eligible farmers under the scheme. 4.6 Promotion of Digital Payments in Smart Cities The Dept. of Finanial Services, MoF, GoI undertook a campaign from 01.07. to 31.10. in the 100 smart cities to promote digital payments during the campaign. Out of these 100 cities, six cities of Gujarat state viz. Ahmedabad, Dahod, Gandhinagar, Rajkot, Surat & Vadodara. Under the campaign, each branch in these smart cities was given target to onboard 100 merchants on BHIM QR Code platform and specific reporting Dashboard has been developed at https://digipay.gov.in/dashboard/default.aspx. Lead District Managers of these smart cities were given separate Login id & Password to compile and feed data on the portal on a weekly basis. Considering continued thrust of the Govt. to push for Digital Payments, SLBC in its 158 th meeting represented before the State Govt. to waive stamp that a merchat is required to pay while executing an agreement of Terms & Conditiones with Bank, similiary in line with the such waiver issued by the Govt. of Madhya Pradesh. However, SLBC is yet to receive any development from the State Govt. in this regard. State Govt. is once again requested to consider waiver of stamp duty which can certainly give big impetus to push for digital transaction and can also prove an incentive for small merchants who are willing to adopt way of Digital Transactions but hesitant to bear the cost of stamp duty of the agreement. 12

4.7 MSME Support & Outreach Campaign of 100 days The Mission MUDRA under the aegis of Dept. of Financial Services, MoF, GoI announed a 100 days campaign to extend Support & Outreach to MSME units, which are also called growth engine of the Indian economy. The campaign began from the nationwide launch in the 100 identified disticts, out of which 9 districts are from Gujarat state viz. Ahmedabad, Kutch, Rajkot, Gir Somnath, Bharuch, Vadodara, Valsad, Surat and Surendranagar. The event also encompassed official launch of the portal psbloansin59minutes.com and announcement of 12 key initiatives by the Hon ble Prime Minister pertaining to five key aspects that MSME sector needed - access to credit, access to market, technology upgradation, ease of doing business and a sense of security for employees of MSME units. Later on in the Video Conference held by the Addl. Secretary, Dept. of Financial Services, MoF, GoI it was advised that a camp is to be organised on every Tuesday & Friday of the week in the identified districts under the campaign and the details of the progress made under various parameters is to be reported on the http://msmesupport.gov.in portal by the LDMs. District-wise identified sectors and targets, as assigned to these 9 districts under the campaign is here under: Sr. Districts Identified Sectors / Clusters 13 Target (MSME number) Lead Bank 1 Ahmedabad Plastics 68766 Dena Bank 2 Bharuch Chemicals 10680 Bank of Baroda 3 Kutch Handicrafts 14534 Dena Bank 4 Rajkot Foundry 25345 State Bank of India 5 Girsomnath Food Processing 2962 State Bank of India 6 Surat Powerloom textile 39249 Bank of Baroda 7 Surendranagar Sanitaryware 5560 State Bank of India 8 Vadodara General engineering 35803 Bank of Baroda 9 Valsad Chemicals 11717 Bank of Baroda Reviewing the progress under the campaign, the DFS in the VC held on 26.11. advised LDMs to conduct one Mega camp in the week on every Friday instead of conducting two camps per week. Accordingly first such Mega camp is to be organised on 07.12. and till 08.02.2019, total 10 such Mega camps shall be organised in these 9 districts. Accordingly, LDMs of these 9 districts are advised to allocate targets to Bank branches under their district based on the targets alloted to their district by the DFS. LDMs shall also work out detailed plan for organising 10 Mega camps in their district. Banks are requested to advise their district coordinators in these 9 districts of Gujarat to ensure participation by their branches and extend all necessary support to LDMs in organising camps under MSME Support and Outreach campaign. LDMs are advised to ensure sufficient publicity for the camps and venue of the camps is to be set up near congregation of identified MSME clusters. Prabhari Officers of the respective districts are to attend the camps thrice in month, as instructed by DFS. 4.8 Connectivity issues hampering Direct Benefit Transfer (DBT) The Dept. of Telecommunication, Ministry of Communication, Govt. of India held a meeting with SLBC, Gujarat on 15.11. and discussed various issues being faced

by the Banking Correspondents / CSPs working in rural areas, as submitted by various Banks. Considering thrust of Govt. in promoting Direct Benefit Transfer (DBT) and the issues of connectivity causing major impediments for Banks in execution of DBT, the Dept. of Telecommunication has called for details of the Connectivity issues being faced by the Banking Correspondents / CSPs in rural areas while using their electronic device to carry our Banking Transactions. In the view of the same SLBC vide its letter No. SLBC-4/677/ dated 16 th November has requested member Banks to submit connectivity issues being faced by their BC / CSP in the prescribed format latest by 30.11., so that such issues are compiled and represented before the DoT for necessary redressal. 4.9 Doubling of Farmers Income by 2022 To double farmers income by 2022, as suggested by NABARD it is imperative to a. Increase term lending under agriculture which can give boost to development of infrastuctural capital b. Generation of income from sources other than farming needs to be addresed Banks are requested to emphasis on above two key findings of the survey conducted by NABARD which will give a long way in doubling farmers income by 2022. 4.10 Declaration of Drought in 51 Talukas (Sub-district) of 11 District by Govt. of Gujarat The Revenue Dept., Govt. of Gujarat vide its G.R. dated 30 th October, declared 51 Talukas (Sub-district) of 11 Districts of Gujarat as drought affected in the category Moderate to Sever and has called for information about Crop loan financed during the period from 01.04. to 30.09.. Accordingly SLBC vide its email dated 16 th November communicated the said G.R. amoung its Member Banks and requested Banks to submit the information as desired by the Govt. Detailed G.R. of the Govt. declaring drought is @ Annexure-P. SLBC vide its letter No. SLBC-4/678/ dated 19 th November, also advised LDMs in these 11 districts to either convene a special DLCC / DLRC meeting to discuss the various modalities to be carried out regarding declaration of drought in the affected areas or take up this matter as an agenda in the ensuing DLCC / DLRC meeting of their district in the light of RBI s master direction pertaining to Relief Measures by Banks in areas affected by Natural Calamities dated 17 th October,. 4.11 Pending claims of Banks in respect of 4% interest subvention on short term crop loans by Govt. of Gujarat The Department of Agriculture, Farmers Welfare & Co-operation, Government of Gujarat vide their GR No. SMB-16-2017-1486-CH dated 17.04. have informed about continuation of 4% interest subvention scheme during the year -19 in respect of short term crop loans upto Rs. 3.00 Lakhs sanctioned / disbursed by Banks for the period from 01.04.2017 to 30.09.2017 and repaid as per Prompt Payer Scheme. This is being in addition to the interest subvention @ 3% provided by Govt. of India and thus Banks are providing the short term crop loans upto Rs. 3.00 Lakhs effectively @ 0%. 14

Banks are extending the benefits of this scheme and lodge the claims for 4% interest subvention with Govt. of Gujarat. But, Banks have reported that the claims are pending for release from Govt. of Gujarat since December, 2017. In view of the above, Govt. of Gujarat is requested to release all the pending claims of Banks at the earliest. 4.12 Formation of Sub-Committee of SLBC on Agriculture Finance Since there is no Sub-Committee of SLBC on Agriculture Finance at present, it is proposed to constitute the same under Lead Bank Scheme guidelines of RBI. This Sub-Committee will review the performance of Banks in Agriculture Finance and submit its report and suggestions to SLBC for discussion in SLBC meetings. The frequency of holding the meeting will be quarterly before SLBC meeting. As State Bank of India is a major player and Lead Bank too, it is proposed to constitute a Sub-Committee of SLBC on Agriculture Finance and related matters under the convenorship of State Bank of India which comprise of following members. 1 General Manager, State Bank of india (Chairman) 2 DGM / AGM, State Bank of India (Convenor) 3 General Manager, FIDD, RBI 4 General Manager, NABARD 5 Secretary, Finance Department, Govt. of Gujarat 6 Secretary, Agriculture Department, Govt. of Gujarat 7 Director, Institutional Finance, Finance Department, Govt. of Gujarat 8 DGM / AGM, SLBC-Gujarat, Dena Bank 9 One of the RRBs 10 General Manager, Bank of Baroda 11 Representative from HDFC Bank 12 General Manager, Gujarat State Co-Operative Bank In view of the above, the august House is requested to approve the constitution of the Sub-Committee as Lead Bank Scheme guideline of RBI. 4.13 Authorisation to Bank Branches to revoke charge created on agri. Land of borrower The process to create charge on agricultural land of borrowers by Bank Branches has already been put in place in Gujarat State. Now, the Revenue Dept., Govt. of Gujarat vide its letter dated 16/10/ has informed about enabling Bank Branches to revoke charges created on agricultural land of borrowers. It is to be noted here that the Bank Branch can revoke charges on agricultural land, only if charge on the land is created by that particular Bank Branch. In other words, Banks are not authorised to revoke charges on agricultural land created by any other authority such as Mamlatdar office. The flow chart about the process of revocation of charge on agricultural land is @ Annexure-Q. Controlling Head of Banks are requested to apprise their Branches regarding this new process which is certainly a remarkable initiative in easing credit access to farmers. 15

4.14 Reporting of cases of Fraud by Banks RBI in its meeting held with SLBC on 10.10. advised SLBC to discuss and disseminate modus operandi of the fraud cases, so as to alert Banks regarding contemporary modalities being adopted in fraud cases and prevent further occurrence of such cases. Banks, henceforth are required to bring to fore Banking Related Cyber Frauds and Credit related frauds in the quarterly meeting of SLBC. AGENDA No.5 REVIEW OF BANKING DEVELOPMENTS IN KEY AREAS FOR THE QUARTER ENDED SEPTEMBER, : During the quarter ended September,, total number of bank branches increased by 213 taking the total network of branches from 9353 as of March, to 9566 as of September, in the State as per the details given in Annexure- 1. BRANCH EXPANSION Particulars For the quarter ended Bank Group Sept., March, Sept., Growth Variation over 2017 y-o-y March, State Bank Group 1288 1277 1275-13 -2 Nationalised Banks 4126 4145 4151 25 6 RRBs 755 767 770 15 3 DCCBs 1351 1376 1380 29 4 GSCARDB 181 181 181 0 0 Private Sector Banks 1549 1607 1636 87 29 Small Finance Banks 173 173 173 Total 9250 9353 9566 316 213 DEPOSITS GROWTH : The aggregate deposits of the banks in Gujarat increased by Rs.18,056 Crores in absolute terms from Rs.6,56,239 Crores as of June, to Rs.6,74,295 Crores as of September, registering growth of 2.75% as against growth of 1.37% for the corresponding period of the previous year. The banks groupwise deposit growth and level as of September, are given below. The bankwise and districtwise details are given in Annexure 1A & 1B. BANK GROUP State Bank Group Nationalised Banks RRBs DCCBs Sept., 2017 1,34,918 (0.81%) 3,33,430 (1.51%) 12,002 (2.08%) 25,340 (2.58%) FOR THE PERIOD ENDED March, 1,38,950 (3.28%) 3,36,046 (1.46%) 12,599 (5.68%) 26,567 (6.87%) 16 Sept., 1,44,744 (3.20%) 3,33,025 (0.94%) 13,037 (2.89%) 27,273 (0.90%) (Rs. in Crores) Growth Y-o-Y 9,826 (7.28%) (-) 405 (-) 0.12% 1,035 (8.62%) 1,933 (7.63%) Absolute growth over March, 5,794 (4.17%) -3,021 (-)0.90% 438 (3.48%) 706 (2.66%)

266 263 264-2 1 GSCARDB (-) 0.37% (-) 4.01% (1.15%) (-) 0.75% (0.38%) 1,25,782 1,47,969 1,54,979 29,197 7,010 Private Banks (1.29%) (22.29%) (6.27%) (23.21%) (4.74%) 972 972 972 Small Finance Banks (NA) (NA) (NA) 6,31,738 6,62,394 6,74,295 42,557 11,901 TOTAL (1.37%) (6.19%) (2.75%) (6.74%) (1.80%) (Figures in the brackets for the quarter ended September, indicate % growth over previous quarter, whereas figures in the brackets for the period ended March indicate % growth over previous year). The highest percentagewise growth was registered by Private Banks (6.27%), followed by State Bank of India (3.20%), RRBs (2.89%), GSCARDB (1.15%), Nationalised Banks (0.94%) and DCCBs (0.90%). The NRI deposits increased by Rs.1,445 Crores and stood at Rs.73,378 Crores forming 10.88% of the total deposits as of September, as against Rs.71,933 Crores (10.96%) as of June,. CREDIT EXPANSION : During the period under review, the aggregate credit increased by Rs.24,636 Crores in absolute terms from Rs.5,46,234 Crores as of June, to Rs. 5,70,870 Crores as of September, registering a growth of 4.51%, as against a growth of 2.59% for the corresponding period of previous year. The banks groupwise credit growth and level as of September, are given below. The bankwise and districtwise details are given in Annexure 1A & 1B. BANK GROUP Sept., 2017 FOR THE PERIOD ENDED March, 17 Sept., Growth Y-o-Y (Rs. in Crores) Absolute growth over March, State Bank Group 95,302 1,01,111 1,06,800 11,498 5,689 (-) 1.48% (11.85%) (6.11%) (12.06%) (5.63%) Nationalised Banks 1,97,988 2,06,248 2,08,890 10,902 2,642 (1.14%) (5.73%) (2.52%) (5.51%) (1.28%) RRBs 6,997 7,517 7,946 949 429 (5.41%) (18.38%) (5.83%) (13.56%) (5.71%) DCCBs 19,173 17,141 22,281 3,108 5,140 (4.01%) (6.56%) (4.15%) (16.21%) (29.99%) GSCARDB 565 578 563-2 -15 (3.86%) 3.58% (1.99%) (-) 0.35% (-) 2.60% Private Banks 1,69,808 2,06,797 2,20,837 51,029 14,040 (6.54%) (36.44%) (5.42%) (30.05%) (6.79%) Small Finance Banks 3,552 3,552 3,552 (NA) (NA) (NA) TOTAL 4,89,833 5,39,392 5,70,870 81,037 31,478 (2.59%) (17.25%) (4.51%) (16.54%) (5.84%) (Figures in the brackets for the quarter ended September, indicate % growth over previous quarter, whereas figures in the brackets for the period ended March indicate % growth over previous year).

The data reveal that the overall growth in outstanding advances was 4.51% during the quarter under review which was contributed mainly in percentage terms by SBI Group (6.11%) followed by RRBs (5.83%), Private Banks (5.42%), DCCBs (4.15%), Nationalised Banks (2.52%) and GSCARDB (1.99%). CREDIT DEPOSIT RATIO: The Bank groupwise Conventional CD Ratio is given below: FOR THE PERIOD ENDED Bank Group Variation over Sept., 2017 March, Sept., March, State Bank Group 70.64 72.77 73.79 1.02 Nationalised Banks 59.38 61.38 62.73 1.35 RRBs 58.30 59.66 60.95 1.29 DCCBs 75.66 64.52 73.90 9.38 Pvt. Sector Banks 135.00 139.76 142.49 2.73 Conventional CD Ratio 77.54 81.43 84.66 3.23 The CD Ratio of the State has increased by 3.23% and 1.42% over March, and June, respectively and stood at 84.66%. As per the RBI guidelines, the CD Ratio, inclusive of RIDF, for the State as a whole is as under: ( Rs./ Crores ) Advances RIDF Total Deposits CD Ratio 5,70,870 25,697 5,96,567 6,74,295 88.47 CD Ratio Below 40% As of September,, the CD Ratio in the following 7 (Seven) districts is below 40% where the all Stakeholders are required to put in special efforts to increase the same. Sr. Name of District CD Ratio CD Ratio CD Ratio Variation over Sept., 2017 March, Sept., March, 1 Dangs 15.50 10.96 14.88 3.92 2 Navsari 20.44 22.68 24.72 2.04 3 Anand 24.12 30.80 28.48 (-) 2.32 4 Porbandar 24.56 25.89 29.23 3.34 5 Kheda 31.65 35.23 33.14 (-) 2.09 6 Mahisagar 33.51 34.52 38.23 3.71 7 Tapi 28.70 29.83 35.36 5.53 8 Kutch 34.26 36.04 40.45 4.41 From the above table, it can be seen that CD Ratio in 6 districts has increased over March, except Anand and Kheda where it has decreased. However, CD Ratio of Anand and Kheda districts has increased by 4.36% and 1.49% respetively over September 2017. CD Ratio of Kutch has crossed the mark of 40% as of September,. The Lead District Managers of remaining 7 seven districts are requested to initiate immediate action to improve CD Ratio. As of September,, the Dangs (14.88%) in the State is having CD Ratio below 20%. 18

PRIORITY SECTOR LENDING : An analysis of the performance in terms of the targets is presented as under : I. The %wise growth under various areas of priority sectors in respect of All Banks (Excluding RRBs and SFBs) was as under : Parameter Priority Sectors March, Outstanding as of % Achi. of NBC Sept., % Achi. of NBC Absolute Growth over March, (Rs./Crores) % increase over March, 40% 2,20,260 48.25 2,45,544 46.17 25,284 11.48 Agri. Adv. 18% 74,649 16.35 76,741 14.43 2,092 2.80 Weaker 10% 38,385 8.41 41,746 7.85 3,361 8.76 Section Adv. (% of achievement based on total advances of previous year, as per RBI guidelines) It reveals from the above data that the Priority Sector Advances have surpassed the benchmark. Though there is an increase in absolute growth in Agriculture Advances, but the benchmark level could not be achieved in Agriculture Advances and Weaker Section. II. Parameter Priority Sectors The percentage-wise growth under following areas of priority sectors in respect of Regional Rural Banks was as under : Benchmark Benchmark March, Outstanding as of % Achi. of NBC Sept., % Achi. of NBC (Rs. /Crores) Absolute Growth over March, % increase over March, 75% 6,748 106.27 7,389 98.30 641 9.50 Agri. Adv. 18% 4,840 76.21 5,370 71.44 530 10.95 Weaker 15% 2,915 45.90 2,984 39.70 69 2.37 Section Adv. (% of achievement based on total advances of previous year, as per RBI guidelines) Bankwise / Districtwise details are given in Annexure - 2 & 3. RRBs have achieved / surpassed the stipulated benchmarks of 75%, 18% and 15% under Priority Sectors, Agriculture Advances and Weaker Sections respectively. III. The Bank groupwise percentage share of various components of Priority Sector advances as of September, is as under: Sector State Bank of India Nationalised Banks Private Banks Co-op Banks RRBs All Banks PS ADVs 28.82% 54.39% 40.40% 116.78% 98.30% 47.43% AGRI. ADVs 10.01% 16.63% 8.00% 89.01% 71.44% 15.31% WS ADVs 11.00% 8.93% 3.76% 24.99% 39.70% 8.45% 19

From the above table, it can be observed that except the benchmark under PS Advances, Banks have not reached to stipulated benchmark under Agriculture and Weaker Section Advances. Performance of SBI Group requires to be improved under PS and Agriculture segments, whereas Nationalised Banks and Private Sector Banks need much improvement under Agriculture and Weaker Section advances. The Member Banks which are below the benchmark (as per Annexure-2) are requested to improve their performance under Priority Sector, Agriculture and Weaker Section advances, so as to achieve the National Goals. As per revised guidelines of RBI for Priority Sector, the sub-target for Small & Marginal farmers is 8% and for Micro Enterprise is 7.5% of ANBC against which, as of September,, all banks together stood at Rs. 27,304 Crore i.e. 5.06% and Rs. 42,321 Crore i.e. 7.85 % respectively. AGENDA No.6 PROGRESS UNDER SERVICE AREA CREDIT PLAN (SACP) -19: The Statement LBS - MIS-I, II & III for achievement under Annual Credit Plan -19 for the quarter ended September of the State is given in Annexure - 4. The summary of target vis-a-vis achievement for the quarter ended September, under Priority Sector Annual Credit Plan -19 is presented hereunder. No. Priority Sector Target -19 20 Disbursement upto end of quarter (Amount in Rs.Crores) % Achievement A/c Amt. A/c Amt. A/c Amt. 1 Agriculture 4862158 71080 2019306 42394 41.53 59.64 Of which Farm Credit 4587333 63436 1943876 36219 42.37 57.10 2 MSME 1081663 39080 499563 38403 46.18 98.27 3 Export Credit 6682 1336 312 454 4.67 33.98 4 Education 43766 1474 12298 358 28.10 24.30 5 Housing 117813 10466 67694 5327 57.46 50.90 6 Other PSA 252017 4791 329473 2503 130.73 52.24 7 Total PSA 6364099 128227 2928646 89440 46.02 69.75 The overall achievement in disbursement under Annual Credit Plan (ACP) for Priority Sectors by all the Banks was 46.02% in respect of targets in number of accounts and 69.75% in respect of targets in amount for the quarter ended September,. The highest percentage achievement in terms of amount was recorded in MSME 98.27% followed by Agriculture 59.64%, Other PSA 52.24%, Housing 50.90%, Export Credit 33.98%, and Education 24.30%. Out of 33 districts in the State, upto the quarter ended September,, as many as 24 districts remained below the State average of 69.75% under ACP -19. The sector-wise, bankwise and districtwise details under Priority Sector Advances are given in Annexure 5, 5(A) to 5(H). Agency wise & sub-sector wise Ground Level Credit Disbursement under Agriculture for the quarter ended September, is given in Annexure - 6.

AGENDA No.7 POSITION OF CASES FILED UNDER GUJARAT STATE RECOVERYACT,1979 (Rs. in Crores) No. Particulars September, Accounts Amount 1 Cumulative certificates filed 1,20,922 467.89 2 Cumulative Recovery effected 45,385 77.03 Of which, cases closed (44,769) (75.59) 3 Cases pending 76,153 390.87 Of which,cases pending for more than 3 years 55,151 188.75 more than 2 years to 3 years 7,077 60.06 more than 1 year to 2 years 8,862 95.68 cases pending for less than 1 year 5,063 46.38 District wise details are given in Annexure - 7. All Lead District Managers are requested to incorporate the Agenda on Recovery Certificates, if not done, and critically review the position of pending Recovery Certificates in every DLCC meetings and pursue the matter with the District Authorities for immediate disposal of the same. The Revenue Department is requested to issue instructions to the District Authorities for quick disposal of pending Recovery Certificates and extend necessary help and support to the Banks in recovery in chronic cases. Bankwise position of Outstanding, NPA, Percentage of NPA to Outstanding at the quarter ended September,. The Gross Advances of the Banks in the State of Gujarat is Rs.5,70,870 Crores and Gross NPA is Rs.39,289 crores i.e 6.88% as of September,. Consolidated details are as per Annexure - 8. (Amt. Rs. in crores) Particulars Amt. Outstanding Amt. of Gross NPA % NPA to Outstanding Crop Loan 47,318 2,158 4.56 Agri. Term Loan 35,290 3,261 9.24 Total Agriculture 82,608 5,419 6.56 MSME 1,15,140 8,526 7.40 Other PS 58,079 2,147 3.70 Total Priority Sector 2,55,827 16,092 6.29 Non Priority Sector 3,15,043 23,197 7.36 Total Advances 5,70,870 39,289 6.88 Others Housing Loan 73,211 632 0.86 Education Loan 3,702 55 1.49 All Member Banks are requested to ensure accurate reporting of NPA so as to present factual position. 21